Sayana Barnes
Summary
Over 9 years industry experience in Retail, Business and Commercial banking. An experienced banking professional within credit operations at Rams Financial Group (subsidiary of Westpac Banking Corporation).
Overview
8
8
years of professional experience
Work History
Enhanced Financial Standard Verification Team Lead
Rams Financial Group
06.2023 - Current
- Appointed on higher duties. Supervision of EFSV team comprising 7 credit managers, and one support officer.
- I am responsible for proactively identifying, assessing, and managing risks to protect Rams financial stability, reputation, and compliance with regulatory requirements.
- By effectively managing risks, I contribute to the institution's long-term success and sustainability in a highly dynamic and complex financial environment.
- I am responsible for the analysis collected in the data sampling process. Based on results sampled, I identify and imbed compliance disciplines within the project framework.
- I communicate and deliver recommendations to stakeholders for improved compliance disciplines within the project and propose strategies for improvements to the wider credit function within the organisation.
- I lead employee relations through effective communication, coaching, training, and development opportunities within the project environment.
- I evaluate employee performance and coach trained team members, increasing quality of work and employee motivation.
- I analyze and utilise team performance data to provide meaningful insights, enabling informed decision-making within the project environment.
- I engage with key stakeholders with delivering strategies and solutions to further enhance and shape the EFSV process.
Credit Manager
Rams Financial Group
06.2022 - 04.2023
- As a Credit Manager for Rams, I was required to provide high quality credit decisions and assist in achieving desired risk and reward balance of the secured portfolio.
- The role and responsibility of the credit manager is to provide support in the assessment of applications whilst uplifting credit knowledge and capability within the business.
- Credit managers are an integral part of supporting the transformation of the credit function.
- I was responsible for the delivery of high-quality credit decisions and making credit decisions on RAMS home loan applications.
- Retail Banking Credit Officer Credit Approval Limit (CAL) Level (8) held. Pending application for Level (7) authority.
- Arch Lenders Mortgage Indemnity Ltd - Delegated Underwriting Authority (2) maintained and held.
- Used critical thinking to break down problems, evaluate solutions to make sound credit decisions.
- Worked flexible hours across night, weekend and holiday periods to ensure service line agreements were met.
- Developed and maintained courteous and effective working relationships with the franchise network.
- Identified issues, analyzed information and provided solutions to credit risk scenarios.
- Cultivated interpersonal skills by building positive relationships with the franchise network.
Mobile Home Finance Manager
Westpac Banking Group
10.2020 - 05.2022
- In this business development role, I was accountable for self-generating home finance opportunities and proactively seeking business from internal and external stake holders.
- I assisted retail clients with making an informed decision regarding their home finance goals and objectives.
- I sourced and identified prospective referral partners in the accounting, legal and real estate industries.
- I engaged with stakeholders internally and externally to deliver exceptional customer service.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Clarified customer issues and determined root cause of problems to resolve product or service complaints.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
Business Banking Manager
National Australia Bank
01.2020 - 10.2020
- In this role, I was accountable for generating growth revenue for the small business banking segment and to provide customer centric outcomes and win Perth's small business market.
- I assessed economic value and risk potential of new business proposals utilizing both standard and specialized lending skills such as FX/Trade, Equipment finance, CRE, BICOE and cash flow lending to provide the most suitable products for SME clients.
- Assessing risk exposures within SME business segmentation: 0-3M commercial, 0-5M specialized consumer lending exposures.
- Delegated Lending Authority held for business lending up to 1M for qualifying clients.
- I educated customers about their business options and providing sound advice about risk and opportunities for growth.
- I generated business development activities and implementing initiatives to support customer acquisition in the local Perth market.
- Delivered exceptional experience and maintained productive relationships with area small businesses.
- Met with customers to assess needs and propose customized solutions.
- Structured and finalized secured and unsecured loans.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
Commercial Risk Analyst
Bankwest
09.2018 - 08.2019
- I was responsible for the portfolio risk management of 35 customer groups with 2 to 30 million dollars in commercial exposure. The portfolio was comprised of several large iconic Western Australian organizations.
- I was responsible for the preparation of credit recommendations for retail and commercial exposures including new to bank, maintenance proposals, annual reviews and convenance monitoring.
- I was required to apply risk-adverse solutions for commercial groups within the portfolio experiencing delinquencies (ie watch list).
- Delegated credit authority held exclusively for variation reviews, convenance management and maintenance proposals.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Taught fellow employees how to control risks at front line.
- Completed financial reviews to uncover trends, patterns and variations.
- Formulated knowledgeable forecasts for an applicant's industry and overall economic conditions based on available financial information presented.
- Informed financial decisions by analyzing financial information to forecast business, industry or economic conditions.
- Assessed liquidity and market risk levels and applied risk-based approach to oversee financial activities.
Business Banking Manager
Bankwest
07.2017 - 09.2018
- In this role, I was responsible for the growth of revenue for the small business banking pool
- responsibilities included new to bank proposals, maintenance, and the implementation of retention strategies for existing clients
- The aggregated lending exposure in small business sector at Bankwest was 1 million dollars in business exposure with an uncapped limit on specialized retail lending
- I assessed economic value and risk potential of new business proposals Utilizing both standard and specialized lending skills such as FX/Trade, Equipment finance, CRE, BICOE and cash flow lending to provide the most suitable products for SME clients
- I reviewed risk exposures within SME business segmentation: 0-1M business lending, uncapped specialized consumer lending exposures
- Delegated Lending Authority held for business lending up to 1M
- Educated customers about their business options and providing sound advice about risk and opportunities for growth
- Generation of business development activities and implemented initiatives to support customer acquisition in the local Perth market
- Structured and finalized secured and unsecured loans.
Personal Banking Specialist
Bankwest
11.2015 - 06.2017
- Assisted with teller services when required and the preparation in addition to processing and reconciling all incoming and outgoing payments received daily.
- Assisted customers achieve their financial goals by actioning both personal lending and home loan applications, whilst building genuine relationships.
- Offered new solutions and demonstrating Bankwest self-service delivery functions and service opportunities.
- Provided excellent customer service and drove home loan growth via quality referrals.
- The management of loans processes through to settlement/funding within set timeframes.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Promoted financial products by maintaining excellent service offering knowledge.
- Worked closely with management to strategise sales techniques to increase branch production and customer service.
- Networked to increase client base and assisted existing clients with expanding the financial portfolios.
- Worked closely with management to strategise sales techniques to increase branch production and customer service.
- Cross-sold bank products and services to meet customer needs and provide options.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Followed up with customers to gather feedback and provide additional assistance.
Education
FSRA Tier 2 Accreditation - Personal Advice
Kaplan Institute
Delegated Underwriting Authority
Arch Lenders Mortgage Indemnity Ltd
Retail Banking Credit Approval Limit Holder
Westpac Banking Corporation
Bachelor of Arts - History
Curtin University
Bentley2023
Frederick Irwin Anglican School
Mandurah, WA2011
Skills
- Group Project Coordination
- Credit Evaluation
- Creditworthiness Evaluations
- Regulatory Compliance for NCC requirements
- Risk Mitigation
- Sound Communication Skills
Timeline
Enhanced Financial Standard Verification Team Lead
Rams Financial Group
06.2023 - Current
Credit Manager
Rams Financial Group
06.2022 - 04.2023
Mobile Home Finance Manager
Westpac Banking Group
10.2020 - 05.2022
Business Banking Manager
National Australia Bank
01.2020 - 10.2020
Commercial Risk Analyst
Bankwest
09.2018 - 08.2019
Business Banking Manager
Bankwest
07.2017 - 09.2018
Personal Banking Specialist
Bankwest
11.2015 - 06.2017
FSRA Tier 2 Accreditation - Personal Advice
Kaplan Institute
Delegated Underwriting Authority
Arch Lenders Mortgage Indemnity Ltd
Retail Banking Credit Approval Limit Holder
Westpac Banking Corporation
Bachelor of Arts - History
Curtin University
Frederick Irwin Anglican School
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